Public Health insurance option

A public health insurance option (public insurance option or public option for short) is a proposed health insurance plan that would be offered by the U.S. federal government. In Affordable Health Care for America Act (H.R. 3962), and its predecessor H.R. 3200, it will be a Qualified Health Benefit Plan competing with similar private insurance plans in an Internet based exchange or market place, enabling citizens and small businesses to purchase health insurance meeting the minimum federal standard. Persons covered by other employer plans or by state insurance plans such as Medicare will not be eligible to obtain coverage from the exchange and therefore cannot obtain this form of federal health insurance. The federal government's health insurance plan will be financed entirely by premiums without subsidy from the Federal government. ^[1] The plans stated in the Senate HLP Committee and H.R. 3962, the two that contain clauses establishing a public insurance option, require the repayment of "seed money" to the Treasury over a ten year period.^[2]

I don't know if I agree with this public option ideal, but one thing that I do know is that millions of people are running around this country without health insurance. The word for today is to bring the cost of health insurance down. Conservatives seem to believe that if we can have open competing of insurance companies across state lines, it would drive the cost of insurance down. Reality is that we have needed this years ago... I personally believe that if their was a true regulation on the health cost across the board that insurance could be affordable for everyone. What good does it do to make $50,000 dollars a year and you can not afford to provide insurance for your family. When a man has to make the decision to eat or have insurance, and he choose to eat, when does some one step up and say wait minute that is not right.

Life liberty and the pursuit of happiness, anything less than that needs to be changed, by any means possible!

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